问答时间：每个青少年都应该了解哪些理财知识？分时电价：还划算吗？利用其他零利率金融产品进行套利？

等到税单真的来了，钱都已经准备好了，完全不是问题。

Then when the tax bill does come, well, it's all covered, and it's not a problem.

有意思的是，很多年轻名人破产的原因，我们经常读到，正是这个。

And the interesting thing is the reason many young celebrities, we often read about them going bankrupt is exactly this.

他们没有为交税留出钱。

They don't put their money aside for tax.

他们以为生活会一直保持高收入。

Think life is gonna continue earning at a high rate all the time.

然后突然，当他们稍微淡出公众视野，或者不再像以前那么红，工作也没那么多了，他们就开始想：这税我怎么付啊？

And then suddenly, when they're out of the spotlight a little bit or they're just not quite as cool as they used to be and not getting as much work, they're going, how am I gonna gonna pay for the tax?

这比我想象的多太多了，而且我现在赚的也没那么多了。

It's way bigger than I thought, and I'm not earning as much now.

所以一定要管理好你的税务，明白当你赚钱的时候，这些钱并不全是你的。

So make sure you're managing your taxes and understand that I'm afraid when you earn, it's not all yours.

那真的很好。

That was really good.

我很高兴我们这么做了。

I'm very glad that we did that.

谢谢你挑选了那些问题，选得真好。

Thank you for selecting That was good curating of questions.

非常感谢您，先生。

Thank you very much, sir.

不过，我现在不太确定这么说是否合适，我们正好是偶数，但显然因为我们刚接了一个听众来电，不能连续两个来电，所以必须是一个朗读。

Now though, I'm not sure I'm comfortable saying it, we're on an even number, but clearly because we just had a caller, we can't have two callers in a row, it has to be a read.

我觉得

I think

那会

that would.

颠覆整个节目形式。

Subversion of the entire format.

我的意思是，这简直是《提问时间》播客里的加·加·宾克斯。

I mean, is this is this is the Jar Jar Binks of the Question Time podcast.

我确实好奇，听众们会不会像你一样，因为我们改了顺序而感到抓狂。

I I do wonder if people listening are as freaked out as you are by the fact we've changed the order.

他们大概不会吧。

They're probably not.

不会。

No.

但他们大概不会。

But they're probably not.

肯定有些人会，因为听这个播客的人里，肯定有跟我一样对这种事儿特别较真的人。

Some of them are, I'm sure, because some of the people who listen to this podcast will be as bad at me at this type of stuff.

但大多数人可能只会想，他们就是换了问题的顺序而已。

But no, they're probably just thinking they've just changed the order of the questions.

这没什么大不了的。

That's not a big deal.

可能在想，赶紧继续吧。

Probably thinking get on with it.

这是朱莉发来的问题，她发邮件到了 martinlewispodcast@bbc.co.ak。

Question from Julie, who has emailed in to martinlewispodcast@bbc.co.ak.

她说，嗨，马丁和团队。

She says, hi, Martin and team.

你好，朱莉。

Hello, Julie.

我有一个

I have

关于税务的问题，是替我儿子问的。

a question regarding tax on behalf of my son.

他刚满18岁，有一份兼职工作，每周工作13个半小时，以便配合他的大学学习。

He's just turned 18 and has a part time job for thirteen and a half hours per week to fit in around his university studies.

他真不错。

Good for him.

他每年的合同收入不到8000英镑，所以低于纳税门槛。

His annual contracted earnings are under £8,000 a year, so below the tax threshold.

麻烦提醒一下，现在的个税起征点是多少来着

What is the tax threshold remind

我？

me?

是12570英镑。

12,570.

好的，谢谢。

Thank you.

不过，在暑假期间，他接了一些额外的班次，所以最近两次发工资时扣了税。

However, during the summer months, he has taken on additional shifts and as a result has paid tax from his last two pay packets.

到了纳税年度结束的时候，他能申请退税吗？

Should he be able to claim this back at the end of the tax year?

如果可以的话，具体该怎么操作呢？

And if so, how?

她还提到，他有一套工作制服，也需要自己负责清洗。

She also says he has a uniform which he's responsible for washing too.

好的，是的，这真的很有意思。

Okay, yeah, this is really interesting.

我猜测这里发生的情况是，他们实际上是在按照他每个月都做额外班次来征税，就好像他全年都赚那么多钱一样。

My presumption of what has happened here is that they are effectively, they're taxing him as if he would earn the amount with the additional shifts each month for the whole year.

所以用很简单的数字来说，他一年赚8000英镑，那是多少？

So to put this in really simple numbers, he's earning £8,000 a year, what's that?

假设每月大约是620英镑。

Let's say that's $6.20 ish a month.

我不打算精确计算，但大概就是那个范围。

I won't rather to work it out exactly, but it'll be somewhere in that sort of region.

所以他每月赚620英镑，但假设那些额外班次让他几个月每月赚到1200英镑而不是620英镑，他们就会按他每月赚1200英镑来对待，也就是一年14400英镑。

So he's earning £620 a month, but let's say those additional shifts put him up to £1,200 rather than £620 for a few months, and they will have treated it like he was earning £1,200 a month, which is what £14,400 over the year.

他们会按他一年赚14400英镑来征税，这当然超过了起征点。

And they would have taxed him as if he was earning 14,400 over the year, which is of course above the threshold.

所以大约，略低于2000英镑的部分需要缴税。

So about, just under $2 of it would be taxable.

但很明显他不会是纳税人，因为他一年只有两三个月赚到一千英镑。

But clearly he won't be a taxpayer because it's only for two or three months of the year that he's earned a thousand pounds.

其余时间，他只会赚620英镑。

The rest of the time, he'll be earning $6.20.

所以他的收入会低于个人免税额。

So he'll be under the personal allowance.

你可以做的是，嗯，总是值得跟他工作的公司提一下工资的事，但他们可能帮不上什么忙。

What you could do, well, it's always worth mentioning it to the company that is working for his payroll, but they won't be able to do anything.

处理这个问题最简单的方法就是给HMRC打个电话。

The easiest way to deal with this is a quick call to HMRC.

说实话，钱到年底会退给你的，你会拿回那笔钱。

Look, the truth is the money will come back to you at the end of the year, you'll get the money back.

所以如果你不想麻烦，钱会退回来，或者他会拿回来。

So if you don't wanna hassle, it will come back or he will get it back.

如果你想现在就拿回来，你可以打电话给HMRC，让他们因为这件事改你的税码。

If you want it back now, you can call HMRC and ask them to change your tax code because of it.

你得跟他们说，我今年不会再赚更多钱了。

And you'll have to say to them, I won't be earning any more.

我知道我今年剩下的时间能赚多少，大概就是这个范围，但只要你联系得上HMRC，应该就能办到。

I know what I'm earning for the rest of the year, it's gonna be in this type of region, but you should be able to, as long as you can get through to HMRC to do that.

顺便提一下，如果他是在夏天工作，然后发生了这种情况，现在他今年剩下的时间都不工作了——当然，朱莉，你儿子的情况不是这样，但给其他听众提个醒——那么可以通过gov.uk网站上的P50表格来申请退税，前提是你已经工作过并且停止了工作，而且今年剩下的时间不会再工作，收入也不会超过那个门槛。

As a side note, if he had been working in the summer and this had happened and he now wasn't going to be working for the rest of the year, so obviously not relevant in your son's case Julie, but just for other people who are listening, then there is a P50 form available via gov.uk that you can fill in to claim the tax back if it was only if you've worked and stopped work and you won't be working again for the rest of the year and you won't be earning over the threshold.

所以希望这些对你有帮助。

So I hope that that is helpful.

我觉得这有点麻烦，不过说实话，对于做暑期工作的人来说，这种情况挺常见的，他们交了不该交的税，但最后都能拿回来。

It's a little bit cumbersome, I think, I mean, it's a relatively common scenario for people who are doing summer work that they, or for doing extended work in the summer that they pay tax when they shouldn't, but they get it back.

你是不是坐在那儿想，哦，我知道我想问他什么了？

Are you sitting there thinking, Oh, I know what I wanted to ask him.

那这就是你的机会。

Well, this is your opportunity.

如果你有问题，就发到martinlewispodcastbbc点co点uk这个邮箱。

If you've got a question, then just send them in to martinlewispodcastbbc dot co dot uk.

而且请以“亲爱的马丁”开头。

And please do start them, Dear Martin.

不，是“亲爱的马特”。

No, Dear Matt.

“亲爱的马丁”。

Dear Martin.

“亲爱的马特”。

Dear Matt.

现在我真的压力很大。

Now I'm really stressed.

为什么？

Why?

好的。

Okay.

所以我们先接了一个来电，而通常我们在偶数时段会先接来电，然后我们做了第二次朗读，而通常我们会先做朗读。

So we did a caller first when we'd normally do a caller second on an even spot, and then we did a read second where we'd normally do a read first.

我们确实这么做了。

We did.

那我们现在怎么办？

What do we do now?

我们是就当把前两个调换了顺序，实际上只是前两个顺序错了，还是说整个播客都按这个顺序来，也就是说我们会是来电、广告、来电、广告、广告，还是来电、广告、广告、来电？

Do we just count it that we have transposed the first two, so that effectively we've just done the first two in the wrong order, or do we continue on that basis throughout the entire podcast, meaning that we'll go caller, read, caller, read, read, Or will we go caller, read, read, caller?

你明白我的意思吗？

Do you see what I mean?

我明白你的意思。

I see what you mean.

我不知道我能不能承受这么大的变化，我不知道我能不能做到那么多。

Don't know if I I can take that much can take a bit of change, I don't know if I can do that much.

但不管怎样，马特，都会有点变化，一点变化算什么？

But either way it's gonna be changed Matt, a little bit of change is what?

要么我们去读广告，对吧，要么我们去读来电，但那样来电又是奇数了。

Way, J way, is we're go read to read, right, or we're gonna go read to caller, but then caller is odd number yet again.

不管怎样，你都破坏了格式。

Either way, you breached the format.

我确实破坏了，但我觉得

I did, but I think

是我干的。

I did it.

我希望这个格式还能重建。

I hope this format can be rebuilt.

我确实

I did

做得不错。

it well.

这个格式其实是我们临时想出来的。

Well, the format is something that we just came up with.

我知道，但我喜欢它。

Know, but I like it.

这不是真的。

It's it's not real.

好的。

Okay.

那我们接下来做什么？

So what are we doing next?

我们要接听来电吗？

Are we doing the caller?

我们要做朗读吗？

Are we doing a read?

我们来做朗读吧。

Let's do a read.

好的。

Okay.

好的。

Okay.

那么第三个问题。

So third question.

好的。

Okay.

这很正常。

It's normal.

这只是一次朗读。

It's just a read.

没关系。

It's fine.

你可以做到的。

You can do this.

行。

Fine.

我来读吗？

Shall I read it?

我得跟我的经纪人谈谈。

I need to talk to my agent.

这是你今天第二次这么说了。

That's the second time today you said that.

之前那次只是随口一提。

The other was offhand.

他们

They

不会听到那个的。

won't hear that.

他们不会知道的。

They won't know.

收到一封关于能源账单和价格上限上涨的邮件，是达米安发来的。

Got one on energy bills and the price cap rise from Damien, who has emailed it in.

他说，嗨，马丁、马特、罗茜、伊莎贝尔、西蒙，还有好多其他的马特们。

He says, hi, Martin, Matt, Rosie, Isabelle, Simon, and the many other Matts.

不错。

Nice.

干得好，Damien。

Well done, Damien.

这里有不少

There's There are quite

几个。

a few.

这就对了。

There we are.

好了，我们继续。

There there we go.

有一位Esquire，他自己就是个很有见识的Esquire。

There is an Esquire, a knowledgeable Esquire in his own right.

继续吧。

Carry on.

我觉得达米安把每个播客都听了一遍。

I think Damien's listened to every podcast.

没错。

Quite right.

他说，我肯定你会收到一千零一个关于一月涨价和固定费率的问题。

He says, I'm sure you'll be getting 1,001 questions regarding the January increase and fixing.

不过，你能不能谈谈你对分时电价的看法？

However, could you possibly cover your thoughts on time of use tariffs?

好的。

Okay.

对。

Yep.

我完全理解这就像是在预测未来，但眼看价格上限就要大幅上调，而且这已经反映在现有的固定费率里了，你觉得既然我们已经扛过了大部分高价期，继续用分时电价怎么样？还是说现在市场波动太大，固定费率更稳妥？

I fully understand it's crystal ball gazing, but with imminent hikes in the price cap that will already be reflected in the fixed tariffs available, what are your thoughts on sticking with it, time of use, on the basis we have already weathered a lot of the higher prices, or is the market so volatile at the moment fixed is a better bet?

我知道这可能更多取决于个人对风险的看法，但我很想知道像你这样的人会怎么做，或者你对这个话题有什么看法。

I know it's probably more to do with an individual's thoughts on risk, but I'd be interested to know what someone like you does or your thoughts on the subject.

这完全是无法预知的。

It is a complete unknowable.

我猜你提到分时电价，而且你提问的方式，说明你其实是在说Octopus Agile或者Octopus Tracker这两种电价方案，它们跟其他类型的分时电价很不一样，比如电动车电价，白天一个价，晚上一个价。

Now I am going to assume by the fact you're saying time of use tariffs and the way you're phrasing your question, you're actually talking specifically either the Octopus Agile or the Octopus Tracker tariffs, which are very different types of tariff to a sort of, the other type of time of use tariff would be an, say an EV tariff where you get one rate during the day and one rate at night.

你说的是那种变动很大的特定分时电价。

You're talking about the highly variable specific time of use tariffs.

对于那些在想“他在说什么”的人，

Now for those people who are going what's he talking about?

“这到底是怎么回事？”

What's that all about?

我简单解释一下。

I shall explain in brief.

Octopus Tracker电价方案，同时涵盖燃气和电力，价格每天都会变动，主要跟着批发价走。

You have the octopus tracker tariff, which is both a gas and an electricity tariff where the price moves every day based on mainly moving with underlying wholesale rates.

而且每天可能波动得非常厉害。

And it can move really, really wildly every day.

它可能比价格上限便宜得多，也可能贵得多。

It can be far, far cheaper than the price cap and far, far more expensive than the price cap.

在正常情况下，它通常比价格上限便宜不少。

In normal times, it tends to substantially undercut the price cap.

在当前波动较大的时期，很多天它都比价格上限贵不少。

In current volatile times, it has on many days substantially been more expensive than the price cap.

但即使这样，它也不是变化最大的那种，尽管它已经非常多变。

But that isn't the most variable of the variable, even though that's super variable.

接下来我们说到变化最极端的，那就是Octopus，Octopus？

Then we go to hyper variable, which is the octopus, octopus?

Octopus。

Octopus.

Octopus，对，谢谢。

Octopus, yes, thank you.

Octopus Agile这个电价方案。

The octopus agile tariff.

敏捷电价是一种只针对电力的电价，价格每三十分钟变动一次。

The agile tariff is an electricity only tariff where the price moves every thirty minutes.

你会提前知道第二天的价格，我记得是在前一天下午四点左右公布，你可以看到价格会是多少。

You are told the price for the next day, I think it comes in at about 04:00 on the previous afternoon and you can see what the price is gonna be.

这种电价最适合那些能源使用灵活且可控的人。

This is a tariff that is best for those people who have flexible and controllable energy usage.

一个典型的例子就是如果你家里有家用电池。

A classic example would be if you had home batteries.

如果你有家用电池，因为在典型的一天里，假设价格上限大约是每千瓦时27便士，差不多这个水平。

If you've got home batteries, because in a typical day, if we say the price cap is around or going to be around 27P per kilowatt hour for electricity, roughly in that order.

Octopus Agile电价在典型的一天，尤其是周末，价格可以从每千瓦时负9便士，也就是你被倒贴钱，到每千瓦时正80或90便士。

The Octopus Agile Triumph in a typical day, especially on the weekend can go anywhere from minus 9p per kilowatt hour, literally you're being paid to plus 80 or 90p per kilowatt hour.

所以，你知道，是价格上限的两到三倍。

So, you know, 2 or 3 times the price cap.

通常要么是白天，要么是深夜，价格会非常便宜，而几乎肯定是在高峰时段价格会非常贵。

It will generally be either day times or overnight when it's super cheap and it will almost certainly be peak times when it's super expensive.

所以如果你有电池，现在也有些日子全天都比价格上限贵。

So if you have batteries, now there are also some days where it's more expensive than the price cap for the whole day.

最近就有这种情况，有些天大部分时间都是30便士，到了晚上可能涨到60便士。

It has been recently, there's been days where it's been at 30 P for most of the day, then gone up to 60 P in the evening say.

但如果你有电池，能在电价为负的时候充够你需要的电量，而且我们通常每周会有一两次负电价时段。

But if you have batteries that can charge up a decent capacity for your usage when it's minus, and we normally get a minus period once or twice a week.

所以你真的能靠用电赚钱，然后在高峰时段用这些电，这样对你来说就很划算。

So you're literally being paid to use energy and then you use that energy in the peak time, it can work well for you.

所以我觉得Agile这个电价方案，其实取决于你的设备配置。

So I think the Agile tariff is a sort of, it's about your setup.

如果你没有任何设备配置，只是随便用，我觉得目前它不太适合你。

If you're just playing it without any form of setup, I don't think it really is for you at the moment.

关于Tracker电价方案，你问的Damon完全正确。

The tracker tariff, your question Damon's exactly right.

这取决于你对风险的承受态度。

It depends on your attitude to risk.

这里有个大问题。

Here is the big problem.

在好的时候，这些是好的资费方案，对懂行的用户来说效果很好。

In good times, these are good tariffs and these work well for sophisticated users who understand them.

但你不能像所有用这些方案的人想的那样，说‘我下个月先不用了，因为看起来有点贵，一个月后再回来’。

But what you can't do is say, which is what everyone who's on them would like to do go, I'm gonna ditch it for the next month or so, because it looks a little bit high and then I'll come back to it in a month.

这是你想做的。

That's what you'd like to do.

但Octopus知道这一点，它基本上说，如果你要用这些方案之一，你就得在好时候和坏时候都坚持用。

But Octopus knows that, and it basically says, if you're gonna use one of these tariffs, you've got to commit to it in good times and in bad.

实际上，你得跟它‘结婚’。

You've got to marry it, in fact.

这是一种财务上的‘婚姻’，因为它规定，如果你离开Agile或Tracker，九个月内不能再重新注册。

It's a fiscal tariff marriage, because what it says is if you leave Agile or Tracker, you cannot re sign up to it again for another nine months.

所以这个决定不仅仅是关于眼前的好坏，而是更长远的事情。

So therefore the decision is far more than just about in the immediate future, is it gonna be good or bad?

我是说，看看现在的批发价格，接下来几周情况不会太好。

I mean, looking at where wholesale rates are right now, then it's not gonna be good for the next few weeks.

如果中东危机结束，那会比价格上限好很多，因为如果中东危机在一月份价格上限（目前预计上涨22%）之前结束，那么由于分时电价完全基于当天情况，而价格上限有滞后性，你会大幅低于价格上限。

If the Middle East crisis ends, it's gonna be very substantially better than the price cap, because if the Middle East crisis ends before the January price cap, when it's currently predicted to go up 22 comes in, then because the time of use tariffs are absolutely based on the day and things will have shut down, whereas the price gap is based on a time lag, you'll be massively undercutting the price gap if the Middle East crisis de escalates.

这是一场赌博。

It's a gamble.

我是说，对大多数人来说，这本质上是在赌你对中东危机的走向怎么看。

I mean, ultimately for most people, the big picture of this is a gamble on what you think is gonna happen in worldwide Middle East crisis.

如果未来三到四个月内冲突会缓和，那你可能继续用Agile或Tracker更好。

If at some point in the next three or four months, the conflict is gonna de escalate in The Middle East, you're probably better sticking on Agile or Tracker.

如果不会，一年后我们还在这个局面，那你最好退出，因为波动没那么大。

If it's not, and we're still gonna be here in another year's time, you're probably better getting off it because the volatility isn't that much.

不过Agile有个前提，如果你有电池设置，那在合适的情况下它还是能为你所用的。

With the caveat on Agile, that Agile, if you've all the battery set up, then you can still make it work for you in the right circumstances.

顺便说一句，我的前提还有个前提，那就是如果你有电池，是否值得投资电池来这么做，目前的情况也在改变这个等式，这又是一个大话题。

Side note to my caveat, caveat to my caveat, that's if you've got the batteries, whether it's worth investing in the batteries to do that, what's going on at the moment changes that equation too, which is another big story.

所以我说的只是那些已经有电池设备、并且已经投入了那笔钱的人。

So I'm only talking about people who've already got the type of battery setups and have already done their capital outlay for that.

这样讲清楚了吗？

Did that make sense?

讲清楚了。

It did make sense.

说实话，如果你在听但不太了解这些电价方案，可能听起来不太明白，因为这些是非常特殊的方案，但确实有很多人在用，我也经常收到关于这些的问题。

I mean, to be honest, if you're listening and you don't know those tariffs, it probably won't make that much sense to you because these are very specialized tariffs, but there are a lot of people on them and I get questions on them all the time.

所以希望我多少帮到了一点，但说到底，这些方案适合那些能理解并接受价格波动的人。

So hopefully I've helped a little bit, but ultimately these are tariffs for people who can understand and accept the volatility.

如果你接受不了，一开始就不应该选这些。

And if you can't, you shouldn't be on them in the first place.

你刚才是不是又给之前的补充说明加了个补充说明？

Did you just caveat to your caveat to your caveat?

不，那不算补充说明。

No, that wasn't a caveat.

是

Was

就两个附加说明？

Just an two caveats?

确实只有两个附加说明。

There was only two caveats.

好，对，所以我对那个解释的附加说明其实不算附加说明。

Okay, Yeah, so my caveat to that explainer was it wasn't a caveat.

好。

Okay.

谢谢。

Thank you.

我知道听众现在听够了关于这个格式的内容。

I know that the listeners now fed up of hearing about the format.

我接受了。

I've accepted it.

那之后我就释然了。

I'm at peace with it after that.

最后一个问题问得非常好，也很有意思。

It was a very good, interesting question that last one.

现在我们扯平了，而且是个来电者。

It's now we're even and it's a caller.

是个来电者，别担心，你可以放松了，我们回来了。

It's a caller, don't worry, you can relax, We're back

回到正轨，我们

on track, we're

回到正轨了。

back on track.

是南安普顿的丹。

It's Dan in Southampton.

你好，南安普顿的丹，有什么可以帮你的？

Hello Dan in Southampton, what are we doing for you?

你好，你好，马丁和马特，你们好吗？

Hello, hello Martin and Matt, how are you doing?

你好，我们很好，很高兴你能加入我们。

Hello, very well, lovely to have you on board.

在开始之前，我想先问马特一个问题。

At what point, just breaking in, before you've even let you start, I need to ask it to Matt.

马特，一个人要达到什么条件才能获得徽章？

Matt, at what point does somebody qualify for their badge?

丹是不是因为已经在播客上说过话就获得了徽章，还是说，这个标准是什么？是等他问完问题、互动结束才算吗？

Has Dan already qualified for his badge because he's spoken on the podcast, or is it, the what's crystallization point, or is it when he's finished his question and interaction?

我觉得是等他问完问题就算，即使他没有得到回答，只要他在播客上问了问题就行。

I think it's when he's finished asking the question, even if he doesn't get an answer, he still asks the question on the podcast.

但你可能只是上来说声

But you might just say came

你好，那你就不会得到徽章了？

on and said hello, you wouldn't get a badge?

不是。

No.

好吧，那你还没挣到徽章，丹，所以你得问个问题。

Okay, so you haven't earned it, Dan, yet, so we need a question.

哎呀，真可惜，我本来打算挂电话的。

Oh that's a shame, I was going to hang up.

你要是真挂了，那可就太搞笑了。

That would be really funny if you didn't.

那也挺好的，我们会很开心，然后稍微慌一下。

It would have been good, we would enjoyed that, and then panicked slightly.

我不要徽章了，我走了。

Not my badge, I'm going.

好，那你的问题是什么？说吧。

Right, what is the question, yes?

对，是这样的，我和我老婆正准备买房子，其实是要搬家了。

So yeah, so my wife and I are about to buy a house, well we're about to move house.

我们下周就完成交易了。

We're completing next week.

恭喜。

Congratulations.

是的，谢谢。

Yeah, thank you.

所以显然，随之而来的是不少购物需求。

So obviously with that comes quite a few purchases.

我们基本上需要更换大部分家具。

We're going to need to replace basically the majority of our furniture.

而且我注意到很多家具公司提供像四年0%利息、免息分期这样的优惠。

And obviously I've noticed that a lot of furniture companies offer things like four years 0% interest, interest free credit on this and that.

我在想，关于“套现”这个话题，我能不能利用这些优惠，把钱套出来，赚取利息，而且有四年的时间，相比通常只有十二个月左右的0%信用卡，这时间更长。

My thought was thinking about like the conversation around stoozing, could I potentially take advantage of those same offers, stooze the money away, earn interest on it and actually have a four year period compared to the 0% credit cards that are usually like twelve months or so.

实际上，这时间更长，而且如果我买很多新家具，显然加起来是一大笔钱，可以用来套现。

Actually it's an even longer period and if I'm buying quite a lot of new furniture, obviously that adds up to quite a lot of money that could be stoozed.

所以我的问题是，这样做会不会真的影响我的信用评分，因为贷款机构看到我在各种不同的贷款机构那里有很多信用，可能会觉得我有点风险。

So that's my question is whether that's actually going to affect my credit rating because our credit lenders are going to look at me having lots of credit with all sorts of different lenders and start to make me seem like a bit of a risky proposition.

那我们就来全面看一下这个问题。

So let's just get all this in the round.

这确实是个很有意思的问题。

It's a really interesting question.

那么基本答案是，你能不能这么做？

So the basic answer of can you do it?

答案是肯定的。

Is yes.

不过有一点细微差别，我觉得这严格来说可能不算stoozing，因为stoozing的定义，你知道，这个词大概出现二十年了，我早期就接触过。

There's a slight nuance, which I would argue it probably isn't stoozing technically, because the definition of stoozing, which is, you know, it's a term that's been around for about twenty years and I was around it in the early days of it.

所以它没有一个严格的定义，但按我的理解，stoozing就是，我们这样讨论有点太技术了。

So it is not, there's not a hard definition, but my definition of stoozing, this is very nerdy that we're doing.

实际上这对你没什么实际影响，所以不用担心。

It doesn't actually affect you in a practical sense, so don't worry.

所谓“套现理财”的定义，就是人为制造一笔债务，然后利用零利率的债务来赚钱获利。

Definition of stoozing it is when you artificially create a debt in order to make money and profit from 0% debt.

但在这里，这笔债务并不是人为制造的。

Now here, creation wouldn't be artificial.

所以我觉得这算是“类套现理财”，但严格按技术定义来说，可能不算真正的套现理财，如果你问我怎么看的话。

So I would say this is stoozing adjacent, but probably not stoozing in its own right under the technical definition, if you said to me.

但从原理上讲，你确实可以故意用零利率借款去买东西，然后手里有钱，但不去还清，而是把这笔钱存到高息储蓄账户里，这样你就能赚利息，而不是去还款。

But in terms of the principle, could you deliberately borrow at 0% to actually buy something, then you've got the money, but instead of paying it off, you put that money in high interest savings so that you are earning interest rather than paying it off.

当然，你得按时还最低还款额，满足所有条件，然后从中获利。

Obviously you make whatever minimum repayments they are and fulfill all the criteria and profit on it.

完全可以，是的。

Absolutely, yes.

我是说，你绝对可以这么做，而且算下来是划算的。

I mean, absolutely you could do that and the maths would add up.

如果他们愿意借给你，并且希望你在五年内还清，而你可以把同样的钱存进储蓄账户，然后慢慢还款，这样你就能赚到利息，最后你就能从中获利。

If they're willing to lend it to you and they want it paid over five years, and you could put that same amount in the savings account and gradually drip feed the payment off so that you're earning interest in it, then you will be in profit from doing so.

而且这样一切都很顺利。

And that all works well.

我的意思是，关键是要确保你有这笔钱。听起来你已经考虑到了这一点。

I mean, just make sure you've got the money is the key to And do it sounds like you've thought of that.

至于对你的信用评分的影响，肯定会有影响，因为实际上在主要的信用标准上，你是在借贷，而且你的信用利用率或债务利用率会比平时更高。

As for the impact on your credit score, it would have an impact because effectively on the main credit criteria, you're borrowing and you've got a higher credit utilization or debt utilization than you would otherwise.

所以当然，当贷款机构看你的时候，他们会看到债务，而不会看到它被储蓄抵消了，看起来你确实有那么多债务，而且是真实的债务。

So absolutely, when a lender looks at you, they will see the debt, they won't see it's offset by savings and it would look like you had that actual amount of debt and it was a real amount of debt.

因此，如果你申请抵押贷款，这可能会对你能够获得的贷款金额产生轻微到中等的影响。

And therefore, if you were making a mortgage application, it could probably have a minor to medium effect on what you could get.

我觉得不会让你被拒绝，但如果你是在边缘试探的话，可能会有点影响。

I don't think it'd get you rejected, but it might mean if you were pushing the boundaries.

话虽如此，你需要问自己的问题是，这实际上在这些贷款的期限内是否重要？这总是一个成本效益分析。

Having said all that, the question you need to ask yourself, and this is always, you know, it's a cost benefit analysis is, does that actually matter over the period of these loans?

因为一旦这些贷款还清了，这个问题很快就会自行解决。

Because once they're gone, this will clear itself up very quickly.

对，我们其实刚刚办完房贷申请，锁定了五年期，所以这五年内我们不会有大额申请，但问题是我平时用返现信用卡，需要换一张新的，我还没申请，因为房贷申请还在进行中。

Yeah, well we've literally, obviously we've just done a mortgage application, we've fixed for five years, so I've obviously got that five year window when we're not going to be making a massive application, but it's just things like I usually use like a cash back credit card which I need to get a new one, I haven't done the application yet because I had this mortgage application in process.

所以在接下来的六个月里，我会申请一张信用卡，用于日常消费返现，从中赚点钱。

So at some point in the next six months, I will be applying for a credit card to do my cash back day to day spending and earn money from that.

我只是想知道这会不会影响信用卡申请或者银行转账之类的。

And it's just wondering whether it's got an impact on things like that, like credit cards, potentially like bank transfers.

我觉得应该不会，但……

I wouldn't imagine it would, but

我觉得答案是可能会有影响，但我不确定影响有多大，而且记住，每个贷款机构的评分标准都不一样。

I think the answer is it could, but I'm not so sure how hugely and remember every lender scores you differently.

考虑到这一点，我觉得正确的做法是你要按正确的顺序来操作，对吧？

I think the correct answer here with that in mind is you need to step this in the right order, right?

你已经完成了最重要的一步，就是房贷。

So you've done the big one that's your mortgage.

你下一个优先事项是什么？

What is your next priority?

如果是返现卡的话，等房贷批下来之后，再去申请返现卡。

If it's the cash back cards, once your mortgage goes through, do the cash back card application then.

等那个办好了，再去申请0%利率的信用卡。

Once you've got that done, then apply for the 0% credit.

这通常是因为0%利率的信用卡是和消费挂钩的，所以某种程度上零售商也会支持。

And it tends to be because the 0% credit is linked to a purchase and therefore it's sort of semi supported by the retailer.

这种卡通常比那种更抽象的、和其他东西没关联的卡更容易申请。

They tend to be slightly easier to get than just a more abstract card, which you know is delinked from anything else.

然后再用0%利率的卡来做后面的套现。

And then do the 0% credit for your stoozing on the back end.

能申请到就申请到。

And then if you get it, you get it.

申请不到就算了，耸耸肩，没什么大不了的。然后，等到五年后再次申请房贷的时候，大概提前一年，你就要开始收敛这些，尽量减少你的债务。

And if you don't get it, you don't get it and you shrug your shoulders and it doesn't matter so And then obviously once you're getting towards that mortgage application again in five years time, probably from a year out, you want to be cooling all this, minimizing the amount of debt you've got.

当然，你绝对不能错过最低还款额。

Clearly, you must never miss a minimum repayment.

那真是噩梦。

That's a nightmare.

当然，如果他们催收债务，而你想把钱留在银行里，而且你有流动资金，也就是放在容易取用的储蓄账户里。

Clearly, if they ever call the debt and you want the money in the bank and you've got it liquid, so you've got it in an easy access saving.

这样你随时有能力还款，而且不应该动用这笔钱。

So you've got the ability to pay it at any time and you shouldn't be dipping into it.

所以，我的意思是，我还没做过，因为我们在播客里聊过套现转账，大概是两周前。

So, I mean, I haven't done, because we talked about stoozing in a pod, think it was two weeks ago.

我在那里已经把所有注意事项都说清楚了。

I did all my caveats there.

这只适合那些财务上精明、组织有序、没有其他债务的人，而且是为了策略性地赚钱才这么做的。

This is only for the financially savvy who are well organized, who don't have other forms of debt, you know, and are doing it tactically to make money.

这不是随便就能做的事，如果有疑问，就不要做。

This is not something to do willy nilly, if in doubt don't.

但话说回来，我倾向于根据问题的性质来判断。

But again, I tend to judge by the nature of the question.

你看起来是那种能搞定这件事、知道自己该怎么做的人。

You seem to be the type of person who can manage this and knows what you're doing.

所以对我来说，听起来挺稳妥的。

So it all sounds pretty comfortable to me.

对，我觉得这几乎比套现还简单，因为你有这些大额消费，所以不用慢慢累积金额，就像你直接付一笔钱买沙发，一次性付款，你有现金，把它放进银行账户和储蓄账户，然后基本就忘了它，直到还款日到来。

Yeah, I just thought it would be easier almost than stoozing because you've got these large purchases, so rather than having to rack up amounts gradually, it's like you're literally paying however much money for a sofa and it's a one off payment, you've got the cash, you put it in a bank account and in a savings account and you basically forget about it until that comes around.

听你这么一说，我完全不担心。

I have no worries the way you're describing it.

我担心的是，人们会说，哦，我要从这笔储蓄里拿一点出来。

My worry is people go, Oh, I'm going take a little bit of that savings.

那笔储蓄不是你的储蓄。

That savings is not your savings.

你知道，这完全是心态问题。

You know, it's all about mentality.

那笔储蓄，我已经用它付了家具的钱。

That savings is, I've already paid for my furniture with that savings.

这钱不是我的。

It doesn't belong to me.

我只是暂时拿着，等付给家具公司。

I'm just holding onto it for the moment until I give it to the furniture company.

只要你抱着这种坚定的原则心态，那这就是轻松赚个几百块的方法，可能还能帮你抵消一部分要买的东西的费用。

And as long as you go in with that sort of rigid principled mindset, then it's an easy way to make a few 100 extra quid, which probably helps offset the cost of whatever you're to be buying.

我觉得祝你好运，对，

I think good luck Yeah,

就是这样。

that's it.

谢谢。

Thank you.

我喜欢这个。

I love it.

干得好，丹。

Well done, Dan.

那是两周前的事了。

It was two weeks ago.

是两周前吗？

Was it two weeks Two ago.

我说得没错，挺好的。

I was right, it was good.

丹，你现在已经有资格获得这个徽章了。

And Dan, you now have qualified for the badge.

谢谢，我很期待。

Thank you, I look forward to it.

但现在你可以挂电话了，你能用一种很戏剧化的方式挂吗？

But now you can hang up, can you do it in quite a dramatic way?

我不知道在手机上能不能做到，

I don't know if you can do this probably on a mobile,

咱们试试吧，徽章有多大？

let's How try big is the badge?

马特？

Matt?

我

I

意思是它不算大。

mean it's not massive.

直径有多少厘米？

How many centimeters in diameter?

三厘米半？

Three and a half?

四厘米。

Four.

四厘米。

Four.

四厘米。

Four.

可能四厘米半吧。

Maybe four and a half.

好的。

Okay.

所以它想找个地方放，能产生大的影响。

So it's trying to find somewhere to put it that will have a high impact.

嗯，你可以

Well you

一直戴在胸前。

could wear it on your chest at all times.

可以啊。

You could.

对，我可以挂在工牌绳上。

True, I could put it on my lanyard at work.

对，就这么办。

Yeah, do that.

我觉得那样更好，别，直接戴在胸口上会很疼的。

I think that's better, don't, on your chest itself it would really hurt.

对，不是说我们不喜欢那个小装置，但那样牺牲太大了，你知道吧，我觉得挂在衣服外面比较好。

Yeah, not at I mean we know people like the pod but that's a sacrifice too far, you know, on the clothing on the outside is what I would say.

我是不是不该做

Should I have not done

那个

that

呢？

then?

不，但我们可不想知道你打了什么洞，马特。

No but we don't wanna know about your piercings, Matt.

谢谢，丹。

Thanks, Dan.

谢谢。

Thank you.

干杯，兄弟。

Cheers, mate.

干杯，兄弟。

Cheers, mate.

在《干杯》里。

In Cheers.

恭喜你搬新家。

Good your new house.

是的，谢谢。

Yeah, thank you.

干杯，各位。

Cheers, guys.

我们要不要来个成功环节？

Shall we do success?

你有没有新的成功铃声？

And have you got a new success jingle?

是的。

I do.

这个我知道。

And I know that.

凡是把播客一直听到最后，甚至听完片尾的人，都会明白我为什么知道。

And anyone who listens to the very end of the podcast, even after the credits, will understand why I know that.

那这个是怎么运作的？

So how does it work?

是你们先说成功的是谁，然后我们放成功铃声，接着你们宣布成功，还是先放铃声再说名字？

Do you say who the success is, then we play the success jingle, then you do the success, or do you play it before you say the name?

我们之前没这么做过。

We've not done it before.

我觉得你们应该说：我们接下来该做什么？

I think you say, what should we do next?

然后我们放铃声，接着我们说：我们有一个成功案例。

And then we play the and then we say, we've got a success.

那我们接下来做什么？

So what are we doing next?

我们收到了亚历山大的一条成功消息。

We've got a success from Alexander.

哦，我喜欢这个音效。

Oh, I like the jingle.

我喜欢。

I like it.

我喜欢。

I like it.

继续。

Carry on.

谢谢。

Thank you.

给我来点成功吧。

Success me up.

他说，大家下午好。

He says, good afternoon, team.

我只想说，非常感谢你们在八月份关于如何检查你是否多交了市政税的那期节目。

I just wanted to say thank you so much for your best bits, how to check if you're paying too much council tax episode in August.

不错。

Nice.

我喜欢“最佳片段”那一期有备注。

I like the fact that Best Bits one has got a note.

不过我觉得那一期是西蒙做的。

I think Simon made that one, though.

哦，没关系。

Oh, it's fine.

没事，

It's

挺好的。

fine, though.

没事的。

It's fine.

他说

He says

大家配合得真好。

All one great ensemble.

是的，兄弟。

Yeah, mate.

他说，我听了你的建议，结果被采纳了。

He says, I followed your advice, and it has been accepted.

我的市政税等级降了一级，每年能省下超过500英镑。

I dropped one tax band, council tax band, and I'll be saving over £500 a year.

他说这是我最后一次买房了。

He says this is my final house purchase.

我很容易就能看到，未来四十年能省下两万英镑。

I could easily see it being a £20,000 saving over the next forty years.

哦，亚历山大，听到这个消息真是太棒了。

Oh, that's wonderful to hear, Alexander.

我处理过很多市政税成功的案例，这些案例总是很好，因为涉及的金额总是很大。

I I get so many council tax successes and they're always good because they're always really big money.

让我先讲最基础的内容，因为最好的办法是回去听八月份那期节目，我在那里花了一个小时详细讲解各种细节和复杂之处。

Let me do the very, very basics because the best thing to do would be to go and listen back to that episode in August where I, you know, I do a full hour on the intricacies and the details.

这里的基本前提是，英格兰和苏格兰有40万套住房可能被分在了错误的税级，很多被分得太高了，因为自从1991年那次二级估值以来，这些税级一直没有更新过。

The basic premise here is 400,000 homes in England and Scotland are likely to be in the wrong band, many too higher band because they still haven't been updated since the nineteen ninety one second gear valuation that happened back then.

我发明了一套检查和质疑你税级的方法，简单来说，首先，你是否比邻居的类似或最好相同房产的税级要高？

I came up with a system for check and challenging your band, which in a nutshell is, first of all, are you in a higher band than Neighbours in similar or preferably identical properties?

你可以通过gov.uk的市政税检查工具来查，你可以在那里查看你的税级和其他房产的税级。

And you can check that via gov.uk council tax checker, you can check your band and other properties bands there.

如果是的话，我会建议你检查一下，因为你想知道的是，比如说你处于更高的税级，邻居们是处于过低的税级，还是你处于过高的税级？

And if you are, then I would check, because what you wanna know is, say you're in a higher band, the neighbors, are they in too lower band or are you in too higher band?

你不想他们的税级被提高，他们会不喜欢你的。

You don't want their band to be put up, they wouldn't like you.

如果是这样的话，那你接下来就要做一个估值检查，其实就是算出你的房产在1991年值多少钱。

If you are, you then want to do a valuation check, which effectively is working out what your property was worth in 1991.

网上有免费的在线工具可以帮你做这件事。

And there are free tools online that can do that for you.

但我会把这两个简单的检查——邻居对比和估值检查——看作是初步筛选。

But I would see those two simple checks, the neighbors check and the valuation check as triage.

如果你通过了这些检查，而且看起来你的房产确实被划在了过高的等级，那真正的工作就开始了，你需要开始申请降低你的等级。

If you pass those and it looks like your property is in too high a band, then the real work starts and you need to start the application to get your band lowered.

但关于这个的完整信息，都在八月份那期节目里，叫《精华集：如何检查你是否多交了市政税》。

But full info on that is in that episode in August called Best Bits, How to Check If You're Paying Too Much Council Tax.

马特，你知道具体日期吗？

Do you know the exact date, Matt?

2026年8月13日。

The 08/13/2026.

对，所以，大家一定要去听听那期节目，仔细过一遍，因为你知道，实际操作起来会麻烦一些，但第一步就是先判断一下，这件事我有没有可能符合条件？

Yeah, so, and do have a listen to that and go through that in detail because, you know, doing it is more work, but the first step is just saying, is this something I'm likely to be eligible for?

亚历山大，非常感谢你联系我。

Thanks so much for getting me in touch, Alexander.

我很高兴听到这个消息。

I'm delighted to hear it.

我很高兴你能省下那么多钱。

I'm delighted that you'll be saving all that money.

太棒了。

That's brilliant.

那么，马特，我们接下来要讲趣闻和骗局吗？

Now, are we going to a funny and a scams, Matt?

不，其实我有些令人难过的消息。

No, I've actually got some sad

哦，天哪，我正要继续说呢。

news Oh dear, I was about go on.

你刚才想说什么？

What were you gonna say?

我刚想说，你这是要把节目流程整个扔出窗外啊。

I was gonna say you're just throwing the format out the window.

我知道。

I know.

嗯，但我必须这么做。

Well, I have to do this.

但现在我觉得有点过意不去，因为你有坏消息。

But now I feel bad because you've sad news.

坏消息。

Sad news.

你知道这是什么。

You do know what this is.

好。

Okay.

这是真正的坏消息。

It's proper sad news.

什么？

What?

今天是罗茜最后一次播客了。

It's Rosie's last podcast today.

当然是啊。

Of course it is.

GDPR

GDPR

好的。

Okay.

要走了。

Is leaving.

嗯，我是说，你看，她其实不是要离开我。

Well, I mean, see, she's not actually leaving me.

不是。

No.

所以，对于那些不了解的人来说，GDPR，Google Docs 专业版，罗茜，那位必须服从的人，她一直在默默地做事实核查。播客的正典说罗茜从不说话，但这并不意味着罗茜没有影响力。

Because so for those who don't know, GDPR, Google Docs professional, Rosie, she who must be obeyed, she has been silently fact checking here, The the canon of the podcast says Rosie never speaks, but that doesn't mean Rosie is without influence.

罗茜眉毛轻轻一挑，就能真的——好吧，不是字面意义上的真的——但真的能把我和马特吓得从椅子上跳起来，担心我们做错了什么。

A simple flicker of Rosie's eyebrow can literally well, not actually literally, but can literally knock Matt and I off our chairs in fear and panic about what we've done wrong.

罗茜说了算。

And Rosie rules the roost.

罗茜是我的研究员，她和我一起处理所有事情，她不是播客的一部分，她是我团队的一员。

Rosie is my researcher, she works with me on everything, she's not part of the podcast, she's part of my team.

她要回到她原来的工作岗位了。

And she is going back to her normal job.

我们是以借调的形式做这个的，为期一年，有人来和我一起工作一年来做这件事。

We do it as an attachment attachment for a year, someone comes and works with me for a year to do this.

罗茜一直非常出色，但我并不觉得难过，因为我还会在她原来的工作岗位上继续和她合作，她会回去继续工作。

Rosie has been absolutely brilliant, but I'm not noticing because I'm still gonna be working with Rosie in her normal job, as she continues to go back.

而且，大家都知道，伊莎贝尔将要接手了。

And we have, as people know, Isabelle is going to be taken over.

我们想听听你们的看法，伊莎贝尔是应该保持现在的样子——我们能看到她，但你们听不到她，不过她依然很有影响力——还是应该让她发出更大的声音。

We would love your views on whether Isabelle should keep up the, she is seen by us, but not heard by you, but still of great influence, or Isabelle should be a louder voice.

我们希望你们能联系我们，请发邮件到 martin louis podcast at b b c dot dot co dot u k。

We would like you to get in touch, and do let us know martin louis podcast at b b c dot dot co dot u k.

因为这是最后一次

As this is the last time

我们能不能说再见、谢谢或者什么的？

Are you gonna we're gonna be allowed to say bye bye, thank you or something.

对吧？

Do we Right.

这取决于罗茜。

It's up to Rosie.

跟罗茜说再见？

Say bye to Rosie?

我们能不能终于听到罗茜的声音？

Can we can we finally hear Rosie?

我很想让罗茜来参加。

I would love to get Rosie on.

有时候她上节目，你以前还说过我，我们只是在结尾加了一小段罗茜的片段。

Sometimes she has been on that you have told me off in the past, we're including little clips of Rosie Just at the egg at the end.

我欢迎罗茜来，但咱们已经打破了所有其他格式规则，所以现在就打破这个吧。

I'm happy for Rosie, but let's break it, we've broken every other format rule that we've possibly got, so let's break it right now.

罗茜，你在吗？

Rosie, are you there?

是的，我刚才跟马特说，这个格式以罗茜结束。

Yeah, was saying to Matt, the format leaves with Rosie.

哦，罗茜就是格式，而且……

Oh, Rosie is the format and

我觉得她说话的方式完全能向大家解释，为什么我们只要她挑一下眉毛，就会乖乖听话。

the format I is think the way she said that will absolutely say to everyone why we say with just one flick of the eyebrow, we do what we're told.

她说话挺有威严的。

It was quite commanding.

Rosie，非常感谢你为这个播客所做的一切。

Rosie, thank you so much for everything you've done on the podcast.

真的非常棒。

It's been absolutely brilliant.

你从一开始就在这里。

You were here from the start.

你帮了我们很多，我们三个人一起把这个节目形式发展起来，这是团队合作的结果。现在Isabelle加入我们，我们很高兴，但我们会想念你的，你永远是Martin Lewis播客历史中不可或缺的一部分。

You've helped, the three of us have developed this format between us and it has been a team effort and it's delightful to have Isabelle coming on board, but we're gonna miss you, you will always be a solid part of the history of the Martin Lewis podcast.

而且我知道，听众们肯定也非常感谢你的口头事实核查，确保我们在节目里说的都是对的。

And I know that the listeners I'm sure are very thankful for your oral fact checking to make sure that we get things right when we're doing as well.

非常感谢，亲爱的，真的很好。

Thanks very much, my love, it's really good.

Rosie，你有什么想说的吗？

Any any words to say, Rosie?

我想说，我还能再回答一次吗？

I was gonna say, am I allowed to reply again?

是的，当然可以。

Yes, of course.

当然可以。

Of course you are.

我想说，我会非常想念这个播客的。

I was gonna say, I'm gonna miss the podcast a lot.

我知道。

I know.

我也会想你的。

I'll miss you too.

是的，我会的。

I will yeah.

马特刚才问我，你会不会哭？

Matt was like, are you gonna cry?

但我觉得马特会哭，我觉得他会哭。

But I think Matt's gonna cry, I think he's gonna cry.

我知道你们俩相处得特别好，这真的很棒。

I know you two get on so well, it's lovely.

这段时间真的非常愉快，我们玩得很开心。

It's been really lovely and we've had so much fun.

听众们，你们会听到我们经常拌嘴，也经常开玩笑，但这是一个非常和谐的团队。

Mean, listeners, you will hear that there's often bickers and there's often joke, this is a very happy ship.

这是一个非常和谐的团队，我们都很享受一起做这件事。

This is a very happy ship, it is a pleasure that we all enjoy doing it together.

还有那个Google Docs，就是你们一起整理的那个文档，它一直主导着播客的内容，会继续存在下去，即使你们各自去往不同的方向——我不会说更好，但确实是不同的方向——继续前进，越来越好。

And Google Docs profession, the GD, the Google Doc that you put together, which is what rules the podcast, will continue to live on way beyond once you're off to different and I'm not gonna say better, but different and other things and onward and upwards.

明天办公室见。

And I'll see you in the office tomorrow.

谢谢你，Rosie。

Thanks, Rosie.

谢谢你，Rosie。

Thanks, Rosie.

再见。

Bye.

谢谢。

Thanks.

本周的《问答时间》就到这里。

That's it for this week's Question Time.

别忘了订阅，这样你就能第一时间知道我们发布新一期节目。

Don't forget to subscribe so you know when we release a new episode.

我们每周一发布新一期的《问答时间》，同时每周四还有阿德里安的《大话题》播客。

We put out a new Question Time app every Monday alongside the Big Topic podcast with Adrian on Thursdays.

你们是不是很幸运？

Aren't you lucky?

每周两次省钱小贴士和技巧。

Two doses of money saving tips and tricks a week.

一定要记得把你的问题发给我们。

Do make sure you send in your questions.

只要发邮件到 martinlewispodcastbbc dot co dot uk 就行。

Just email martinlewispodcastbbc dot co dot uk.

别忘了，如果你上节目，我们会送你一个独家定制的“金钱买不到”马丁·刘易斯播客问答时间徽章。

And don't forget, if you come on the show, we'll send you an exclusive Money Can't Buy Martin Lewis podcast Question Time ESQ badge.

如果你继续听下去，还会有一个小彩蛋等着你。

And if you stay listening, there's a little bit of an Easter egg for you.

马丁·刘易斯是 money saving expert dot com 的创始人。

Martin Lewis is the founder of money saving expert dot com.

当然，还有其他消费者和比价网站可以选择。

But of course, other consumer and price comparison websites are available.

你可以通过发邮件到 MartinLewispodcast@BBC.co.uk 联系马丁播客的制作团队。

You can get in touch with Martin's podcast production team by emailing MartinLewispodcast@BBC.co.uk.

播客中提到的优惠和利率在录制时是准确的。

The offers and rates mentioned in the podcast are correct at the time of recording.

不过，如果你是点播收听的话，最好再核实一下，因为信息可能会过时。

However, if you are listening on demand, it's worth double checking as details can date.

记得在BBC Sounds上订阅，无论你在哪里收听，都请给我们留个评论。

Remember to subscribe on BBC Sounds and leave us a review however you listen.

我

I

还没听过你的那些小曲儿。

haven't listened to your jingles.

你那儿有吗？

Have you got them there?

哦，有。

Oh, yeah.

我这儿有。

I've got them here.

快把它们都放一遍，我们都来投个票。

Play them all quickly, and we'll all vote on them.

好的。

Alright.

我们来听听第一首。

Let's hear number one.

所以，这就是第一首。

So so that's one.

好的。

Okay.

有什么想法？

Thoughts?

不过我想要一个说“本周成功”的，成功。

I want one that says success of the week, though, success.

没有，不。

It doesn't no.

没有一个说“成功”的。

None of them say success.

好的。

Okay.